follow-up on PC problem

[NewJeffCT]

OK, this seems a bit weird, but our Dell Windows XP PC is having a strange problem... last week, I thought we lost everything when I got a blue screen with a bunch of text on it indicating some sort of stop error. Well, we have our hard drive partioned, I guess, one is NewJeff and one for MrsNewJeff. We both use the same access all the time (MrsNewJeff, I think), but for some reason now, we get the blue screen if we use MrsNewJeff, but it's okay if we go back to the other - rarely used - directory of NewJeff.

I can get back into MrsNewJeff through the back door of opening NewJeff & leaving some programs running, then switching usernames... but, I have lost all my settings on both NewJeff & MrsNewJeff, and each time I log off, I lost my settings.

I ran a full virus scan and it came up nil.

Any ideas?